Very little research has been done on strategic financial planning software programming for retirement income planning. Todays approach is to perform a single simulation calculation or utility application and assume the results apply to all times and allocations for all future ages. But time periods change with age as do allocation characteristics over time. This paper steps back to look at financial planning software programming as a foundational strategy to model retirement income while aging that same retiree over time meaning looking at all the possible future time periods as well as all prudent allocations over those possible future time periods. Additionally research to date has focused on “early stage” retirement meaning the retirement event occurs sometime in the retiree’s age-60’s. In other words the inception of retirement. Little research has been done looking at the transition into later stage ages or later allocations for portfolio income distributions through “late stage”